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Credit Building & Repair

Credit Building & Repair

Credit Building & Repair

Credit Building & Repair

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Set the course for financial success with a checking account that can give you a hand. With no minimum deposit to open and an automatic transfer to savings, Money Smart Checking® will have you improving your financial picture in no time.


  • No minimum deposit to open
  • FREE debit or ATM card with up to 6 FREE out-of-network ATM reimbursements per statement cycle1
  • Mobile debit alerts2
  • Optional Dollar-A-Day Savings Service automatically transfers $1 (or more) each day from your Money Smart Checking account to your Wintrust Community Bank savings account3
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Get your savings on track with an interest-bearing savings account that will make planning for the future easy. Money Smart Savings® is the perfect account to pair with your Money Smart Checking® account.


  • No minimum deposit to open
  • Interest-bearing savings account
  • FREE debit or ATM card (with linked checking account) with up to 6 FREE out-of-network ATM reimbursements each calendar month1

We've designed lending solutions that can give you a better way to borrow.


The Everyday Loan is a fixed-rate loan with a quick approval decision. Loans are available in amounts up to $2,500. Plus, our rates are lower than most credit cards or other fast-cash loans. So, when unexpected costs come out of nowhere, there’s no need to panic.


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  1.  Click Start the Process to download the PDF application.

  2.  Complete the application by typing or writing in your answers. 

  3. Bring your completed, printed application and proof of income to your local Wintrust Community Bank. Proof of income varies based on your employment status:
  • Employed: One recent paycheck stub. A W-2 from the previous year may also be needed.
  • Self-employed, seasonal employee, or commissioned: A copy of your complete tax return with all schedules from the previous year.
  • Retired: A Benefit Statement from the Social Security Administration, or a pension statement.
At least one applicant must reside in the bank’s assessment area. Collectively, Wintrust Community Bank assessment areas are in and around Chicago; the Naples, Florida area; southern Wisconsin; and northwest Indiana. For specific information about each bank’s assessment area, please contact us.


Start your application online today.



Click here to verify that you have downloaded the application for your local Wintrust Community Bank branch. The bank name on your application must match the proper family of bank branches.
For example: Pullman Bank & Trust is listed as a branch under Beverly Bank & Trust.

Have questions? Call us today at 847-234-2882.



Get personalized help from a specialist.


You can take out a loan for as little as $500, or more based on your ability to pay, then use the borrowed funds to open a certificate of deposit (CD) for the same amount. Just make fixed monthly payments on the loan, and when the loan is paid off, the CD with earned interest is yours!

At least one applicant must reside in the bank’s assessment area. Collectively, Wintrust Community Bank assessment areas are in and around Chicago; the Naples, Florida area; southern Wisconsin; and northwest Indiana. For specific information about each bank’s assessment area, please contact us.



Find the perfect card for the way you use credit. Our credit cards offer benefits and features to meet a variety of financial needs. Take a look at what each card has to offer and decide which one is right for you. 

Click here for more information and to apply online.

Online account access provides the quickest and easiest way to:

  • Activate your credit card
  • Make payments
  • Transfer balances
  • Request credit limit increases
  • View statements…and much more

Simply access your account by clicking here.


To learn more about rates and fees contact your personal banker.


Give yourself some credit


Banking that supports you wherever you are


Save for life's big moments…

1. ATM Fees. There is no Wintrust Financial Corporation (WTFC) transaction charge at any ATM in the Allpoint, MoneyPass, or Sum surcharge free networks. Other banks outside the network may impose ATM surcharges at their machines. Up to 6 surcharge fees assessed by owners of other ATMs outside the network will be reimbursed each calendar month. Reimbursement does not include the 1.10% International Service fee charged for certain foreign transactions conducted outside the continental United States. 2. Account Benefits. Third party message, data, and/or internet fees may apply. Use of online banking is required for access to mobile banking. Mobile/internet connectivity is required. 3. Optional Dollar-A-Day Savings Service. Savings account must be opened at the same Wintrust Community Bank as the checking account. 4. Money Smart Savings. Transaction limitations may apply. 5. APR. The Annual Percentage Rate (APR) is a fixed rate that’s based on the Prime Rate reported in the Money Rates section of the Wall Street Journal (the “WSJ Prime”) plus a margin, at the time the loan is made. For example, on 12/20/21 WSJ Prime was 3.25% resulting in the APR disclosed. See the bank for details. Applicant must meet underwriting guidelines. 

Credit Cards are issued by First National Bank of Omaha (FNBO®)